Debt consolidation loan with bad credit rating? (Australia)?

As a singular mother, we hit amassed debt as we hit selected to work part-time to emotionally await my son, generally in a final couple of years of school.
As a result, my finance management hit been out of control. we hit 5 assign cards, a little of which hit been taken over by pick up companies.
My shortcoming to my son is right away finished as well as we am operative full-time.
However, it is a onslaught to equilibrate a seductiveness as well as we simply cannot hold a sides of this debt.
I hit looked in to a debtor’s commendation which negotiates with any creditor, pays them out afterwards proceed debits from my comment for 5 years – /wk for a K debt. From where I’m sitting, which seems kindred to a good option.
Debtors agreements hit been a single travel low of failure still my crony says which will regularly uncover up upon my assign rating. My grounds is which my assign rating is already shot.
She says we should try for a provide as well as come to terms with any creditor to equilibrate reduction if they get a bulk volume to finalise a matter. She used to do this for a vital as well as says she will help.
The disproportion would be which my assign rating would be bad rsther than than terrible.
My complaint is – who is play to provide me a loan? we wouldn’t provide me a loan, even still we know we hit each goal of regulating which provide to decent out seductiveness rates of a debt I’ll never be means to equilibrate soured as is.
Should we proceed a bank? Credit union? Is there companies in Australia who resource grouping kindred to me?
PS. a debtors commendation was with Fox Symes – any digit hit any noesis with which arrangement?

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